Economic Situation Research Articles

ЧИННИКИ, ЯКІ ОБУМОВЛЮЮТЬ ВИНИКНЕННЯ НЕПРАЦЮЮЧИХ (ПРОБЛЕМНИХ) АКТИВІВ У БАНКІВСЬКІЙ СФЕРІ В СУЧАСНИХ УМОВАХ

Today, Ukraine is in an extremely difficult economic, social and political situation, which in turn determines the need to ensure the effective functioning of all spheres of the state's life, especially its financial sector. An important element of the latter is the banking system, which in the conditions of a full-scale war faced a large number of risks, among which a special place is given to non-working (problem) assets. At the same time, it should be noted that the emergence of non-performing (problem) assets in the banking sector is determined by a number of factors of a diverse nature. Objective. The article, based on the analysis of the scientific views of scientists, the norms of the current legislation and the practice of its implementation, highlights the factors that cause the emergence of non-performing (problem) assets in the banking sector in modern conditions. Methods. In the process of preparing a scientific study, a number of both general and special methods of scientific knowledge were used. Thus, the analytical method and the method of documentary analysis were used in order to identify the problems causing the emergence of (problem) assets in the banking sector. The method of systematization and classification was used in order to form the author's vision of the factors that cause the emergence of non-performing (problem) assets in the banking sector. Results. It is argued that the factors causing the emergence of non-performing (problem) assets in the banking sector should be divided into two large groups: 1) external, in particular: a) regulatory and legal; b) political; c) financial and economic; d) safe; e) demographic; 2) internal factors, which include: a) organizational and managerial factors; b) personnel; c) informational and analytical. Scientific novelty. The scientific novelty of the research lies in the fact that the theoretical approach to the definition of the key factors causing the emergence of non-performing (problem) assets in the banking sector in modern conditions was further elaborated in it. Practical significance. To solve the theoretical and practical problems causing the emergence of non-performing (problem) assets in the banking sector in modern conditions. Keywords: factors, banks, banking activity, non-performing, problem assets, financial sphere, banking sphere.

What happened to my time during the COVID-19 lockdown? Parents’ subversive temporal regime strategies and their potential beyond the pandemic

The COVID-19 pandemic prompted individuals to devise new temporal strategies in various spheres of their lives as a result of the spatial regulations imposed during the first lockdown. We apply Lisa Suckert’s theoretical model of ‘the capitalist time regime’ in the analysis of 68 interviews with parents of schoolchildren in seven European countries conducted during the first COVID-19 lockdown in spring 2020. We examine actors’ agency and capability to govern time during the pandemic and the extent to which disruption enables subversion of the temporal regime and its five features: measurement and commodification of time, temporal expansionism, acceleration, appropriation of the future, with the special emphasis on unequal temporal autonomy of actors. Expanding on Dale Southerton’s analysis of the role of gender in temporal autonomy, we also look at the participants’ positions at the intersections of gender, age of children, profession, economic situation, and the use of the welfare system. Finally, we contextualise participants’ creative challenges to the unequal temporal autonomy within Barbara Hobson’s approach to capabilities and achievements. The results show that participants creatively negotiated time under lockdown spatial conditions, thus producing new socio-temporal conditions that suited them and their families. We identified shift work in family arrangements, time for oneself and increased efficiency due to enhanced autonomy as the key creative subversive strategies addressing unequal temporal autonomy of actors with regard to gender and also other axes of disadvantage.

Social-Economic and Political Contexts of Georgian Romanticism

The given article explains Georgian Romanticism, its period of origin, and its influence not only on various directions of art (painting, music, architecture, etc.) but also on the socio-economic and political situation of the country. The article discusses the forms of Romanticism's manifestation in Georgia, which were conditioned by several processes, including geopolitical occasions and socio-economic determinants. Specific preconditions that influenced the formation of Georgian Romanticism are analyzed. In particular, the abolition of Georgia's statehood in 1801; the 1804 rebellion in Mtiuleti; the 1812 peasant uprising in Kakheti; the 1819 uprising in Imereti; the abolition of the autocephaly of the Georgian Church and others The article discusses the socio-economic and political situation of Georgia in the first half of the XIX century when the Georgian society was composed of the nobility, urban population, merchants, small entrepreneurs, and peasants. Their unbearable economic situation and the desire to fight for the country's freedom somewhat determined the emergence of outstanding representatives of Georgian Romantics, who used their creativity as a weapon against the governance of the Russian Empire, which served to restore Georgia's political independence and improve the socio-economic situation of the country. Keywords: Romanticism, statehood, rebellion, independence, social life,nobility, small entrepreneurs, economic condition, taxes.

Pocketbook Voting in India’s 18th Parliamentary Elections (2024)

The economic theory of voting has long remained a cornerstone in the study of voting behaviour, especially in economically developed democracies. At the heart of it is the assumption that economic contexts shape voting choice and influence electoral outcomes as management of the economy is an important function of governments and that citizens hold elected representatives accountable for the nation’s as well as family’s economic situation. Voters support ruling party candidates when they think the incumbent government has delivered on the economic front—creation of employment opportunities, keeping price of essential goods and services under control, rise in income across social layers and so on. In India, much of the analysis of voting behaviour is focused on shifting allegiance of support across social constituencies—particularly caste and religion. Economic factors of voting choices have received little attention to the extent as if they do not matter. However, analysis of NES (2024) data suggests that economic factors swayed a significant chunk of voters and thus influenced the final electoral outcomes. Anchored in economic theoretical context of voting behaviour, this article particularly examines whether there was pocketbook voting and whether it influenced the electoral outcomes of the 18th general election to Lok Sabha (2024). The findings show that pocketbook voting had significant and substantial effect on political preference.

Georgian-Polish Literary Relations and the Conspiracy of 1832

Georgian-Polish political, economic, and literary-cultural relations have a long history. Despite the geographical distance between these countries, the current historical, political, and economic situation in the world has led to a certain rapprochement of the peoples with these two great histories. Georgian-Polish cultural relations especially strengthened, diversified, and reached a new height in terms of quantity and artistic mastery in the late 30s of the 19th century and the following era. The representatives of the creative Polish intellectuals who moved to Georgia tried in every way to convey their literary ideas created in Georgia to their compatriots in Poland. From the collected materials, it can be seen without any doubt that a great spiritual kinship was established between one of the best parts of Polish society who immigrated to our country and Georgians. It is interesting to know that the Poles who immigrated to our country created not only Georgian, but also the “Caucasian flow of Polish poetry and prose”. Even among the creative samples of Poles who immigrated within this framework, their works will be outstanding and unique. In our deep belief, among the rich Polish literature, interesting literary works on Georgian and non-Georgian topics can be distinguished by Polish writers and public figures who immigrated to Georgia in the second half of the 18th century and the first half of the 19th century.

The Facts, Causes and Effects of Carbon Tax

Abstract: The significance of climate change is growing, prompting individuals to actively reduce greenhouse gas pollution, promote the use of renewable energy sources, and advocate for sustainable development. Carbon taxes have become an important policy tool for attaining sustainable development. The purpose of this article is to analyze the emergence of carbon taxes. The research objective is to analyze the feasibility and the efficacy of imposing a carbon tax. The research highlighting the importance of carbon taxes in effectively eliminating greenhouse gas pollutions by analyzing countries that are already implementing them, designing income neutral carbon taxes to balance environmental benefits and economic growth, and listing options for various subsidies after taxes. The study is significant because it provides a thorough assessment of the effects of carbon taxes and suggests feasible policy suggestions. The government should consider the economic situation and people's income when designing the level of carbon tax and use more tax revenue to invest in new energy to achieve long-term low carbon. Wind and solar energy will be the main energy sources in the future. Under appropriate policies, carbon tax can achieve low-carbon and maintain GDP.

Challenges of Polish families related to caring for a disabled child at home: a cross-sectional study.

A family with a disabled child has major changes and challenges. The difficulties experienced by the whole family are of various natures and relate to emotional, psychological, caring, and financial problems. The aim of the study is to learn about the challenges and involvement of Polish families in caring for a disabled child in the home environment. A cross-sectional pilot study was conducted in a group of 103 parents of disabled children. The proprietary questionnaire and a standardized scale for the Generalized Self-Efficacy Survey (GSES) were used as a research tool. The material for the study was collected online, using Google Forms software, and statistically processed. Emotional contact with a disabled child turned out to be the most difficult aspect of care for almost half of the respondents (42.7%). The vast majority of respondents (75.7%) described the level of difficulty in caring for a disabled child as much higher than the level of difficulty in caring for a healthy child. Most parents (87%) spend between 10 and 20% of their family income on the treatment and rehabilitation of disabled children. A significant relationship was noted between the assessment of the family's economic situation and place of residence (χ2P = 27.32; p < 0.0001; Vc 0.51). Parents of children with disabilities who live in rural areas and have less education are less well off financially. The average GSES score was 24.54 and was in 4 sten. The biggest care challenge for parents of disabled children turned out to be emotional contact with the child. The GSES index for parents of children with disabilities is lower than the average values obtained in Polish studies, which translates into worse coping with problems.

Paths for the development of financial intermediation in industry 5.0: Opportunities for developing economies (On the example of former USSR republics)

Currently, there is a unique situation in the global economy, industrial eras coexist together, there is interaction and transformation of financial systems simultaneously within the framework of Industry 4.0 and Industry 5.0. New, digital resources are entering the economy, intellectual capital is becoming virtual, artificial intelligence is increasingly finding its application in the structure of financial support. Financial intermediation in developing countries is also subject to global trends, the active development of new instruments for developing economies is especially important. The aim of the study is to identify effective ways to develop financial intermediation in Industry 5.0 for the economies of developing countries. Based on the results of the study on the development of financial institutions mediation revealed a problem related to the lack of reasonable tools that could be used to improving the efficiency of the financial intermediaries market, proposed the main directions of such a process: mobilization of savings, distribution financial assets, payment system, risk management and control over market agents involved in financial operations.

The Trichotomy of Internationalization of Higher Education, Emigration and Social Policies: a National Level Research Case in Albania on University Youth as Potential Emigrants

Aim: The research aims to analyse the trichotomy of the main pillars (education, emigration, and policies) by measuring the opinions of youth, based on the tendency of new emigration flows, the education in university that prepares them as highly skilled workers for global trades (due to curricula, contemporary preparation with knowledge according to the labour market acquisitions, and internationalisation policies), and the identification of push factors of emigration of university youth as the new and current emigration tendencies in Albania. Methods: To guarantee a national-level measurement of the university youth emigration potential, due to the mentioned indicators, the empirical data gained from the quantitative online survey research on the measurement of opinions of (N=1010) Albanian university youth, at the national level of (N=7) (all) public universities in Albania, in (N=13) departments on social sciences profile, analysed by the Statistical program IMB SPSS 26, in different statistical approach analysis, such as descriptive, frequency, cross-tabs and Kurtosis. Results: Measuring the indicators, the results show that the internationalisation of universities prepares students for the international labour market, current social policies do not favour them in the labour market, and the current economic, political and social factors turned on the main push factors of potential emigration of university youth. Conclusion: The internationalisation of universities prepares students with skills for local and international labour markets. Still, the current economic, social, and cultural anomic situation and the lack of efficient employment policies are the main push factors for the emigration of university youth as high-skill workers.

The Development of Yunnan “New Folk Songs”

Background and Aim: This study investigates the evolution of the “New Folk Song” in Yunnan and analyzes how historical, cultural, and social changes have influenced their development. Yunnan folk songs are a cultural product with local characteristics and close to the development of the working people in Yunnan that is close to the people's daily life. The "New Folk Songs" of Yunnan is a musical form combining “nation” and “modern” innovation. In the process of development, it is constantly endowed with new definitions and connotations and presents the situation of diversified development. Due to the special historical and social environment of Yunnan, a large number of “New Folk Songs” with rich themes and excellent quality have emerged in Yunnan during the period of the late Qing Dynasty and the early Republic of China, the Revolutionary War, the “Cultural Revolution”, and the era of peace and development in recent years. The results show that Yunnan's “New Folk Songs” evolved through the integration of modern and traditional elements, reflecting the unique social and cultural dynamics of Yunnan over the past hundred years. To study the development of “New Folk Songs” in Yunnan, this study is not only a record of musical life in different periods, but also the development trajectory of different musical works in Yunnan across the century, but also a study of the development history of music creation in Yunnan. Materials and Methods: This Article aimed to study related literature to find out the development of Yunnan's “New Folk Songs”. The instrument for collecting data was documentary research. Relevant journals, academic papers, books, magazines, and online information related to the development of Yunnan's “New Folk Songs” are reviewed and organized. From the perspective of creation and music ontology, the style characteristics and creation characteristics of Yunnan "new folk songs" in different periods are analyzed, to explore the development of Yunnan “New Folk Songs” in Yunnan. Results: Throughout the development of “New Folk Songs” in Yunnan, its creation characteristics are contemporary, national, and regional; music works have the style characteristics of Yunnan minority elements. This paper will analyze and study the above characteristics in depth. This study is beneficial to improve the reader's understanding of Yunnan's “New Folk Songs” and understanding, through the development of “New Folk Songs” in Yunnan, to explore the development prospect of “New Folk Songs”, Yunnan for music workers can provide certain reference and reference, also for the Yunnan “New Folk Songs” and singing practice, teaching practice provides reference way, also further promote Yunnan traditional folk song inheritance and the sustainable development of “New Folk Songs”. At the same time, through this study, it is hoped to help the exploration of Yunnan's “New Folk Songs” style, and also to promote the inheritance of the existing Yunnan traditional folk music culture and establish awareness of the exploration and protection of Yunnan local music materials. Conclusion: The development of “New Folk Songs” in Yunnan is reflected in the creative characteristics and style characteristics changing with the changes of the times. The social environment, economic situation, and policy system of a country in an era will often affect the artistic creation of the creators with subjective or objective factors. Therefore, In this paper, the horizontal melody and vertical harmonic layout of music works in the budding period of Yunnan “New Folk Songs” (The Late Qing Dynasty and The Early Republic of China), The War Period (1931-1949), The 17th years of the Founding of the People's Republic of China (1949-1966), The Ten Years of the “Cultural Revolution” (1966-1976), and The Innovation and Development period (1978-2020), Relying on the musical activities in various historical periods, Analyzing the common and personalized creation characteristics of creators and the formation process of Yunnan local ethnic creation concept. Thus, the different purposes of creation, the different contents of the times, the different style characteristics, the different forms of expression, and then to understand the development of “New Folk Songs” in Yunnan.

Performance Shortfall, Top Management Team Faultlines, and R&amp;D Investment: Evidence from China

With the increasing uncertainty of the world economic situation, enterprises are facing the pressure of downward performance, and R&amp;amp;D has been an important strategic choice to solve the performance fall problem of high-tech enterprises. The article tries to explore the changes in the R&amp;amp;D investment intensity of enterprises under different performance lag levels and investigate the influence of the combination of characteristics of top management team(TMT) members on the strategic decision-making process. It is found that the relationship between the degree of performance disparity and R&amp;amp;D investment intensity is inverted U-shaped; the strength of the fracture faultline of the top management team negatively regulates the relationship between the degree of performance disparity and R&amp;amp;D investment and makes the inverted U-shaped curve flat. A further study of specific characteristic fracture bands revealed that team fracture bands based on tenure characteristics had a significant negative moderating effect, while professional and functional background fracture bands had a significant positive moderating effect. This study not only theoretically expands the understanding of the performance shortall and TMT disconnection on the deep-seated motivation of enterprise R&amp;amp;D investment, but also provides practical references for solving the problem of performance gap, optimizing the allocation of TMT human resources, and rationally promoting enterprise R&amp;amp;D investment to achieve transformation.

Implementing the “Belt and Road” Initiative in Central Asia in a Pandemic: A Regional Risk Assessment

The relevance of the study stems from the need to assess the impact of the “Belt and Road” Initiative on the economic and political situation of the Central Asian states. In this context, article aims to identify features of the Central Asian states that may, in the process of deepening regional cooperation with the People’s Republic of China, lead to a dependency on it. The following research methods were also used: qualitative and quantitative analysis of scientific sources and documents, analysis of statistical data, discourse analysis, intents analysis, comparative analysis, method of synthesis, deduction. The article presents the results of the survey, revealing not only the strengthening of China’s economic influence in the region, but also, according to some experts, the increasing political influence that is reflected in the public and political discourse of the region’s countries and entails an increase in anti-Chinese sentiment in the form of debt obligations of Central Asian states to Chinese banks, revealing that the coronavirus pandemic and the ensuing economic crisis showed the need to find new ways of economic development. It justifies the importance of building a new cooperation strategy that could maintain a certain balance between the world centers of power – China, the United States and Russia, taking into account the interface between the Eurasian Economic Union project and the “Belt and Road” Initiative. The articles are of practical value in terms of a current expert assessment of the “Belt and Road” Initiative’s impact on the geopolitical and geo-economic situation during COVID-19.

Heterogeneity Analysis of Economic Policy Uncertainty on Corporate Investment Based on Panel Threshold Regression

As the global landscape evolves rapidly, economic policies must constantly adapt to the volatile economic situation, leading to economic policy uncertainty (EPU). Firms, as microeconomic entities, need to continuously adjust their strategies in response to these changes. Given that corporate investment is one of the most crucial factors in business operations, it is of paramount importance to investigate how the characteristics of corporate investment are influenced by EPU. Using the panel threshold regression method, we delve into the nonlinear impact of EPU on corporate investment. By collecting data from 2000 to 2023 for A-share listed companies in Shanghai and Shenzhen, as well as macroeconomic data, we empirically find that EPU exerts significant and differentiated effects on corporate investment across four dimensions: leverage level, company size, profitability, and growth potential.

MODERNIZATION OF STATE POLICY IN THE FIELD OF STATE CONTROL (SUPERVISION) OVER ECONOMIC ACTIVITY

The article analyzes the essence of modernization of the State policy in the field of control (supervision) over economic activity with due regard for the changing political and economic situation in the country. The author examines the main conceptual approaches to the definition of basic terms, and also identifies the features and purpose of state control (supervision) in the economic sphere. It is found that the state of the system of control (supervision) over economic activity does not always correspond to the realities of today. Hence, the author concludes that the control system is not always relevant and effective. The author identifies the main problems on the way to modernization of legislation in the field of control (supervision) over economic activity. The author proposes to use adequate means of regulating and controlling economic activity during a special period caused, for example, by a pandemic, military operations on the territory of Ukraine, etc. The author examines the key areas of state policy in the field of legal regulation of control (supervision) over economic activity. The author defines the system of regulatory and legal support of the state policy in the field of control over economic activity at different stages of economic development of the country. The author analyzes the legal acts adopted under the legal regime of martial law aimed at stabilizing the situation in the economic system of our country.

Study on AI-Assisted Statistical Approach for Improving Stock Price Prediction Accuracy

Stock price (SP) prediction is crucial for financial decision-making, yet achieving excessive accuracy remains challenging due to market volatility. Current models frequently struggle with capturing the complexities of SP fluctuations, leading to significant prediction errors. This study aims to improve SP prediction accuracy through a unique technique that uses AI-assisted statistical techniques with the Redefined Spotted Hyena great-tuned Dynamic Gated Recurrent Unit (RSHDGRU). The dataset includes the closing costs of numerous stocks influenced through market demand, corporate performance, and economic situations. Pre-processing using Z-score normalization to standardize the statistics. The proposed RSH-DGRU model significantly outperforms traditional techniques, achieving a R-squared (R²) value of 0.9852, a Mean Absolute Error (MAE) of 15.624 and Root Mean Square Error (RMSE) of 20.321. These results reveal the effectiveness of the RSH-DGRU in minimizing prediction errors and accurately capturing the complexities of SP fluctuations. By evaluating its overall performance with present fashions, the RSH-DGRU technique showcases stronger predictive capabilities. Financial analysts and investors that have access to a strong instrument for more precise market projections make better-informed investment selections.

Like a fire brigade, but without pay - Experiences of temporary employment among workers in Swedish elder care

This study investigates experiences of temporary work among care personnel in elder care. Semi-structured interviews were performed with fifteen temporarily employed care personnel in municipal nursing homes or home care and analysed using phenomenography. The informants’ experiences of having temporary employment were characterised by either a sense of flexibility or, more commonly, uncertainty, lack of control over life, time and economic situation, as well as difficulties associated with always being available. The informants’ experiences of working as temporary employees were characterised by the enjoyment of work and job satisfaction, differing experiences regarding the division of work and communication, but also being in an exposed position. The results reflect an experience of being in a vulnerable position. Taking these results into consideration in developing interventions to enhance the working conditions for temporarily employed might as a secondary result decrease the turnover and increase the continuity of the care for the elder.

Peculiarities of advertising communications in the press of Transcarpathia in the Austria-Hungarian period at the end of the nineteenth and the beginning of the twentieth century

The article investigates the specific features of advertising development in the Transcarpathian press at the end of the nineteenth and the beginning of the twentieth century. This study examined how social, historical, cultural, and economic factors influenced the development of advertising in the media of a region that used to be a part of Austria-Hungary. The study revealed the specific characteristics of advertisements in the region's first vernacular language magazines: the newspapers, «Nauka», «Selo» «Nedilya». Press editors were fully aware of the psychology of consumer influence and the techniques of making advertising messages relevant. Thus, various commercial information visualization methods are widely used: manipulative techniques, free offers, hidden and native advertising, etc. They advertised church books, musical instruments, bells, medicines, medical services, printed materials, textbooks, artwork, agricultural machinery, produce, fertilizers, etc. At the same time, information about the advertised product, the names of companies or manufacturers, and the address of production or sale were emphasized graphically. This demonstrated an understanding of the psychology of the audience's perception of information about goods or services. There were constant appeals to support the newspaper financially, to subscribe to the magazine, and self-promotion. The successful fundraising by the Nauka editorial board for its own printing house, Unio, was evidence of productive communication with readers. The editors understood the importance of illustrative presentation of information, so they used a wide range of graphic design of texts, fonts, drawings, engravings, photographs, and colored paper. At the same time, the advertisements concerned limited types of goods and represented a small part of local producers. However, the limited variety of advertised products indicates a weak advertising market and underdeveloped entrepreneurship in the region. Advertising serves as a unique identifier of the complex economic, social, and cultural situation of the Rusyns-Ukrainians in Transcarpathia during that period, making it relevant for further research into the development of media during this period in general.

Building Independent Culture and Financial Resilience In Islamic Education

Self-reliant culture refers to attitudes, values, and practices that encourage individuals or groups to become more economically, socially, and emotionally independent. Building an independent culture in Islamic education is a process that involves formal and informal education, as well as daily practices in individual and community life. The aim is to create individuals who are spiritually, intellectually, and economically strong, able to make positive contributions to themselves, society, and the Islamic ummah as a whole. And financial resilience is the ability of a person or household to manage their finances well and survive in the face of unexpected financial challenges or changes in the economic situation. Financial resilience in Islamic education is a concept that emphasizes the importance of individual and community economic stability in living life, including in the context of education. This research is included in qualitative research based on literature study. The data sources in this research analyze works, books and journals related to independent culture and financial resilience in Islamic education. The results of this research are that there are five concepts involved in building a culture of independence in Islamic education, namely Spiritual Independence, Educational Independence, Economic Independence, Social Independence and Personal Independence and also important aspects in financial resilience, namely the Principles of Balance and Moderation (Wasatiyyah), Zakat, Infaq, and Sadaqah, The Importance of Knowledge, Work Ethics and Professionalism, Financial Planning and Management, Avoiding Usury.

Enhancing investment attractiveness in wartime: a comprehensive analytical approach

The study focuses on analyzing the changes in investment attractiveness during wartime, when certain regions are occupied or destroyed, some enterprises are non-operational due to damaged production facilities, there is a significant outflow of labor force, and energy issues arise. The core issue of the study lies in the necessity of considering the complex political and economic situation’s impact on Ukraine’s investment climate. This requires developing more adaptive assessment methods that can account for both economic and socio-political risk factors. In such circumstances, reliable data is hard to obtain, which prompted the goal of substantiating the factors that characterize the country’s investment attractiveness. To provide a comprehensive assessment of investment attractiveness, an integrated indicator is proposed, which combines data reflecting investment attractiveness, including indices calculated by leading global organizations. The analysis includes such indices as the Innovation Development Index, the Corruption Perception Index, and the Judicial System Index. As a result, an average value of the changes was calculated, showing a comprehensive shift in the indicators related to investment attractiveness. The analysis using the integrated indicator demonstrated that investment attractiveness has decreased by 10 % during the war, but certain indicators, such as the Corruption Facilitation Index and the Judicial Index, have actually improved during the war. The results obtained can be used to develop risk management strategies for both international and local investors. They can also serve as a basis for creating recommendations for improving the investment climate, which in turn can attract capital and stimulate economic growth under challenging conditions

Fictional Verisimilities and the Didactic in Adaobi Tricia Nwaubani’s I do not come to you by Chance.

The 21st century Nigerian space has incontrovertibly incentivised the fictional writer with abounding dieges that predominantly narrativized the social realism of the author’s society. It is from this mimetic assemblage that Adaobi Tricia Nwaubani’s I Do Not Come to You by Chance (2009) stems from. This paper uses the Postcolonial Theory as an investigative and analytical tool to explore the significance of fictional verisimilitude in communicating the didactic in the Nigerian socio-political and economic situation. Meanwhile, this qualitative research is hinged on the novelist’s representational exactitude of the social realism of the Nigerian space while foregrounding the impact of the family as a social agency on the thematic preoccupation of the e-fraud or hustle narrative. Nwaubani’s novel is insightful and even prophetically rendered to capture the socio-economic fragmentation that has become emblematic of contemporary Nigerian space. This paper further probes the aggressive Nigerian existentialist consciousness ultimately rooted in the e-fraud narrative. This paper implicates the apparatuses of power for their insensibilities to the plight of the Nigerian youth inadvertently and seemingly affecting the demonising image of Nigeria/ns in the global marketplace. Pertinently, Nwaubani strongly provokes a didactic evocation as she foreshadows the place of the family as a retooling moral compass. This paper, therefore foregrounds that, the text ultimately acts as an ethical road map for the re-evaluation and re-charting of the recent moral decadence bedevilling the Nigerian space, especially in the 21st century city space.